AI bookkeeping · CPA reviewed
Bookkeeping services, closed monthly and signed off by a CPA.
Our AI processes your invoices, payables, receipts and reconciliations. A licensed CPA reviews and finalizes every close. You get clean financials by the 10th — for about half what a traditional firm charges.
from$149/ month
No setup fee. Month to month.
Cancel any time.
Monthly close · July
Day 6 of 10
- Bank & card reconciliation1,284 transactions
- Receipts matched to charges312 receipts
- Payables & receivables48 open items
- Payroll posted2 runs
- CPA review & sign-offin review
- Financials delivereddue day 10
Unexplained differences
$0.00
Signed off by
A licensed CPA
- Licensed CPA on every close
- Books closed by the 10th
- QuickBooks Online and Xero
- SOC 2 Type II
Machines do the volume. A CPA does the judgment.
The data entry that makes traditional bookkeeping expensive is the part software is now genuinely good at. The judgment is not. We split the work along that line.
01Connect
Your accounts, read-only
Bank, cards, QuickBooks or Xero, payroll and invoicing. Twenty minutes of onboarding, and you keep ownership of every file.
02Process
The AI does the volume
Invoices, payables, receipts, payroll and reconciliation, categorized continuously instead of in a quarter-end scramble.
03Review
A CPA does the judgment
Every close is reviewed and signed off by a licensed CPA. Nothing is finalized on the model's word alone.
04Deliver
Financials by the 10th
P&L, balance sheet and cash-flow in your inbox, plus a year-end package your tax preparer can file from.
What comes off your plate
Pick a job to see exactly where the AI stops and the CPA starts.
- What the AI does
- Pulls every bank and card feed daily, matches each line to the ledger, and categorizes against your chart of accounts. Duplicates, transfers between your own accounts, and anything it can't place with confidence are flagged instead of guessed.
- What the CPA checks
- That the closing balance ties to the statement, that flagged items were resolved correctly rather than force-matched, and that nothing was miscategorized in a way that distorts the P&L.
What you get
- A reconciliation report with zero unexplained differences
- Every flagged item resolved and annotated
- A clean audit trail from each ledger line back to the statement
- What the AI does
- Reads incoming bills, extracts vendor, amount, due date and terms, and posts them against the right account. On the receivable side it tracks which invoices are open, which are late, and by how long.
- What the CPA checks
- That cut-off is right — that expenses land in the period they belong to, that accruals are posted where a bill straddles the month end, and that nothing is double-counted.
What you get
- An aged payables schedule with what's due this week
- An aged receivables schedule with the overdue list ranked
- Accruals posted so the month reflects what you actually owe
- What the AI does
- Extracts merchant, date, subtotal, each tax line, tip and total from photos and PDFs, then matches each receipt to the card charge it belongs to. Amounts have to add up before a receipt is accepted.
- What the CPA checks
- That the expense is deductible and coded to the right account, that input tax credits are claimable, and that anything personal has been separated out rather than run through the business.
What you get
- Every charge substantiated with the receipt attached
- Sales tax, GST/HST or VAT split into its own line
- An unmatched list, so you know exactly what's still missing
- What the AI does
- Posts each payroll run to the ledger — gross, employer taxes, withholdings and net pay to the right accounts — and reconciles the total against what actually left the bank.
- What the CPA checks
- That the liability accounts clear when the filings are paid, that employer tax is accrued correctly, and that contractor payments are classified as contractor payments.
What you get
- Payroll posted and reconciled to the bank, run by run
- Payroll tax liabilities tracked until they clear
- Year-end payroll totals that agree to the filings
- What the AI does
- Assembles the trial balance, rolls prepaid and amortization schedules forward, and compares this month against last so unusual movements surface before anyone reads the statements.
- What the CPA checks
- The whole file. A licensed CPA reviews the close, explains the variances, and signs off. Nothing is delivered on the model's word alone.
What you get
- Profit and loss, balance sheet and cash-flow statement
- A short note on what moved this month and why
- A year-end package your tax preparer can file from
Bookkeeping packages and pricing
Flat monthly pricing, published. CPA review is included at every tier — it is not an upsell. Catch-up work on back months is quoted separately.
Starter
$149/ month
Up to 100 transactions / month
For owner-operators who need the books closed properly every month and nothing more.
- Bank and credit card reconciliation
- Expense categorization against your chart of accounts
- Monthly P&L and balance sheet
- CPA review and sign-off on every close
- QuickBooks Online or Xero
- Email support, next business day
Growth
$299/ month
Up to 400 transactions / month
For businesses with real payables, receivables and a pile of receipts every month.
- Everything in Starter
- Accounts payable and accounts receivable
- Receipt capture, matching and audit trail
- Books closed by the 10th of the following month
- Cash-flow statement alongside P&L and balance sheet
- Named bookkeeper plus CPA review
Full-service
$499/ month
Unlimited transactions
For teams that want payroll, close and year-end handled end to end.
- Everything in Growth
- Payroll runs and payroll tax filings
- Quarterly review call with your CPA
- Year-end package your tax preparer can file from
- Custom monthly reporting pack
- Priority support, same business day
Not sure which one fits, or need back months cleaned up first?
Try the AI before you talk to us
Two of the pieces that run inside the service are free, public tools. Use them on your own documents — no account, no email required to run them.
Bank Statement Converter
Drop in a PDF statement, get every transaction back as a balanced spreadsheet. The same extraction that runs against your accounts each month.
- PDF statement in
- Every line itemized
- Balances tie out
Receipt Scanner
Photograph a pile of receipts, get a categorized spreadsheet with each tax line split out. This is how receipts reach your ledger.
- Up to 50 at a time
- Tax lines separated
- Totals verified to the cent
Built so your accountant has nothing to argue with
What we hold, who signs it, and what happens to your data if you leave.
- CPA sign-off on every close
- A licensed CPA reviews the file before anything is finalized. Not a sampling — every month.
- SOC 2 Type II
- Pelcro has completed a SOC 2 Type II audit, and processes payments through a PCI Level 1 provider.
- Your ledger stays yours
- We work inside your QuickBooks Online or Xero file. Cancel and the file, history and reports go with you.
- Flat monthly fee
- Published pricing, no setup fee, no annual contract. Catch-up work is quoted separately and up front.
What our bookkeeping services cover
Small business bookkeeping is the same handful of jobs every month: get every transaction categorized, reconcile the bank and card accounts against the statements, chase the receipts that back up the deductions, keep payables and receivables current, post payroll, and close the month so the profit and loss actually means something. Done by hand it is a few days of somebody's time. Done by AI with a CPA checking the result, it is a fixed monthly fee.
The difference between outsourced bookkeeping services that work and ones that don't is usually timing. Books closed a quarter late tell you what already happened; books closed by the 10th tell you what to do about it. Because the processing runs continuously rather than in a month-end batch, your close date does not move when the volume does.
You keep your own ledger. We work inside your QuickBooks Online or Xero file rather than migrating you onto something proprietary, and if you leave, the file, the history and the reports go with you. If you are still on spreadsheets, setting up the ledger is part of onboarding.
Frequently asked questions
- Do I need a bookkeeper or an accountant?
- Most small businesses need both, and they do different jobs. A bookkeeper records what happened — categorizing transactions, reconciling accounts, chasing receipts, closing the month. An accountant interprets it: tax strategy, filings, structuring, advice. The usual failure is paying accountant rates for bookkeeping work. Our packages do the bookkeeping with AI and have a licensed CPA review and sign off on the close, so the record is accountant-grade without accountant hourly rates. If you already have a tax accountant, we hand them a year-end package they can file from.
- How much do bookkeeping services cost?
- Ours start at $149 a month for up to 100 transactions, $299 for up to 400 transactions with AP and AR, and $499 for unlimited transactions including payroll. There is no setup fee and no annual contract. Traditional firms price the same monthly close at roughly double, because a person does the data entry that our AI does; the CPA time you are actually paying for is the review, which we keep.
- Is AI bookkeeping accurate?
- Accurate enough to do the first pass, not accurate enough to be trusted alone — which is exactly how we use it. The AI categorizes transactions, matches receipts to charges and reconciles accounts, then every close goes to a licensed CPA who reviews the ledger and signs off before it is finalized. Deterministic checks run first: the books have to balance, reconciliations have to tie to the statement, and anything ambiguous is flagged for a human rather than guessed. You are never looking at numbers a model produced and nobody checked.
- What is included in monthly bookkeeping services?
- Every package includes bank and credit card reconciliation, transaction categorization against your chart of accounts, a monthly profit and loss statement, a balance sheet, and CPA sign-off. Growth adds accounts payable and receivable, receipt capture with an audit trail, and a cash-flow statement. Full-service adds payroll runs and filings, a quarterly CPA call, and a year-end package for your tax preparer.
- Can you clean up books that are months or years behind?
- Yes. Catch-up work is quoted separately from the monthly package because it depends on how many months are open and what state the records are in. Send us the period you need cleaned up in the quote form and we will price the catch-up and the ongoing close together, so you know the full cost before you commit to either.
- Do you work with QuickBooks and Xero?
- Yes — QuickBooks Online and Xero are both supported, and we work inside your existing file rather than migrating you onto something proprietary. If you are currently on spreadsheets, we will set up the ledger as part of onboarding. Your data stays yours: cancel and you keep the file, the history and the reports.
Find out what your books would cost.
Tell us your transaction volume and what you're on today. A CPA prices it and emails you a fixed monthly number — usually within one business day, and without a call.
- No sales call required to see the price
- Catch-up work quoted up front, separately
- Month to month — cancel any time
Prefer to talk it through first? Contact sales.
Get a bookkeeping quote
Four questions. A fixed monthly price by email, usually within one business day.